Ontario Real Estate Closing Costs Calculator - Canada's Most Accurate Tool 2026

When buying or selling property in Ontario, Canada, understanding your real estate closing costs is essential for budgeting your transaction. Our Ontario real estate closing cost calculator helps you estimate all the fees and taxes associated with your Canadian property purchase or sale, including land transfer tax, legal fees, and disbursements specific to Ontario and Toronto.

Ontario Land Transfer Tax Calculator (Canada)

The Ontario land transfer tax is a provincial tax levied on all property purchases in Canada's most populous province. The amount increases progressively based on your purchase price. Toronto residents pay both provincial and municipal land transfer tax, which can significantly impact your real estate closing costs.

First-time home buyers in Canada may be eligible for rebates up to $4,000 (provincial) and $4,475 (Toronto municipal), potentially saving thousands on your Canadian property purchase.

Real Estate Legal Fees and Disbursements

Both buyers and sellers need a Canadian real estate lawyer to complete their property transaction in Ontario. Buyer's legal fees typically range from $1,200 to $2,500 CAD, while seller's fees are usually $1,000 to $2,000 CAD.

Disbursements include title insurance, title searches, registration fees, and discharge fees. These costs vary but are essential components of your total real estate closing costs in Canada.

Additional Real Estate Closing Costs in Ontario

Beyond land transfer tax and legal fees, buyers should budget for home inspections ($400-$600 CAD), property appraisals ($300-$500 CAD), and moving costs when purchasing real estate in Ontario, Canada.

Sellers typically pay real estate agent commission (3-6% of sale price plus 13% HST) and may incur costs for repairs, staging, or mortgage discharge fees when selling property in Ontario. The commission is usually the largest closing cost for sellers.

Sell Your Property in Ontario, Canada

Planning to sell your real estate in Ontario? Understanding your closing costs helps you calculate your net proceeds from the sale. Our real estate closing cost calculator provides accurate estimates for all seller-related fees in Canada.

Whether you're in Toronto, Ottawa, Mississauga, Hamilton, or anywhere else in Ontario, use this Canadian property calculator to plan your real estate transaction with confidence.

How to Use This Ontario Real Estate Closing Cost Calculator

Simply select whether you're a buyer, seller, or both, then adjust the sliders or click values to enter your Canadian property details. The calculator instantly shows your estimated closing costs including Ontario land transfer tax, legal fees, disbursements, and HST. All calculations are based on current Ontario and Canada tax rates and regulations for 2025.

Popular Ontario Cities for Real Estate: Toronto, Ottawa, Mississauga, Brampton, Hamilton, London, Markham, Vaughan, Kitchener, Windsor, Sarnia, Chatham, Peterborough

Calculate your closing costs in these cities and more